When you create a new business in Spotify Ads Manager, one ad account will automatically be created for you. Business admins have the ability to create additional ad accounts. 

To do this, navigate to Ad accounts in the left hand side bar. Then click on the Create button on the upper right hand side.

If you do not wish to fill out your payment method during the ad account creation step, select skip for now. You can enter this information later when you create your first campaign.

*There is no limit to the number of Ad Accounts that can sit under a single Business.